Tony Gallippi

With all of the talk around ITMs and efficiency they can provide, and they do, TCRs are still a huge value to many branch environments. The market has moved into more cassette based units away from older roll-storage technology. These units are faster, have greater capacity and provide high value to the environments. This frees up staff time to focus on what matters, deepening customer relationships and upskilling your staff to create the best possible branch experience. Learn more in this video: https://lnkd.in/gVWv7c6c

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What was once viewed as a vision is now a reality as RTP gains momentum. Smaller FIs have launched their RTP strategy in a phased approach, leading with receive only. This strategy allows the bank to become comfortable with the new payment rails while expanding use cases and product commercialization. Smaller banks view a partnership with a Third-Party Service Provider (TPSP) as essential because a partnership leverages both their experience, opportunities and network. Banks need assistance and support to understand how to monetize RTP which TPSPs provide. However, #TheWalkerGroup works with both banks and FinTechs to drive instant payments. The recent webinar, Unlocking The Full Potential of Real-Time Payments: It's Time to Start Sending, focused on the next frontier of RTP, namely, send. Banks are cautious and initiate instant payment send are cautious due to concerns of fraud, risks and managing compliance. The fear of the unknown is real and has a direct impact on acceleration. The strong value of a partnership with a TPSP is to leverage their experience and education of their vast experience with multiple implementations across multiple banks sectors. The future is now, and instant payments will continue to accelerate, and banks will need to commercialize the brand internally. #atlanticfintech #fintechmanager #fintechmarketplace #fintechcoaching #RTP #theclearinghouse #FedNow #TPSP #LetsReduceThePaper

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Big changes are coming to SBA 7(a) business acquisitions. Starting June 1, 2025, the SBA is tightening rules on seller rollovers, down payments, and personal guarantees. These updates will reshape how deals are structured, and smart players are already adapting. . 𝐇𝐞𝐫𝐞’𝐬 𝐚 𝐪𝐮𝐢𝐜𝐤 𝐛𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧: Key Changes 𝐒𝐞𝐥𝐥𝐞𝐫 𝐄𝐪𝐮𝐢𝐭𝐲 𝐑𝐨𝐥𝐥𝐨𝐯𝐞𝐫𝐬 𝐍𝐨𝐰 𝐀𝐥𝐥𝐨𝐰𝐞𝐝 (𝐰𝐢𝐭𝐡 𝐒𝐭𝐫𝐢𝐧𝐠𝐬 𝐀𝐭𝐭𝐚𝐜𝐡𝐞𝐝): Sellers can now retain a minority stake, but every owner post-sale must personally guarantee the loan. No more passive sellers. 𝐌𝐚𝐧𝐝𝐚𝐭𝐨𝐫𝐲 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐬 𝐟𝐨𝐫 𝐒𝐞𝐥𝐥𝐞𝐫𝐬: If a seller keeps any ownership, even 5%, they must personally guarantee the full SBA loan for at least two years. 𝐇𝐚𝐫𝐝𝐞𝐫 𝐭𝐨 𝐔𝐬𝐞 𝐒𝐞𝐥𝐥𝐞𝐫 𝐍𝐨𝐭𝐞𝐬 𝐟𝐨𝐫 𝐃𝐨𝐰𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬: Seller notes must now be on full standby (no payments at all) for the life of the SBA loan to count toward equity. Buyers must contribute at least 5% hard cash. 𝐍𝐨 𝐌𝐨𝐫𝐞 𝐌𝐮𝐥𝐭𝐢-𝐒𝐭𝐞𝐩 𝐁𝐮𝐲𝐨𝐮𝐭𝐬: You can no longer buy part of a business now and the rest later using SBA financing. Only one-time ownership changes qualify. 𝐖𝐡𝐚𝐭 𝐓𝐡𝐢𝐬 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐘𝐨𝐮 Bu 𝐁𝐮𝐲𝐞𝐫𝐬: Expect to inject more of your own cash. Creative "low-money-down" structures are harder. Full buyouts will often be cleaner and preferred. 𝐒𝐞𝐥𝐥𝐞𝐫𝐬: Rolling equity now means real liability. Guaranteeing a loan without control can be risky—many sellers may opt for a full exit. 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬: If you're backing a deal with a seller staying on, you might have to guarantee the loan too. Be selective and plan for larger upfront investments. 𝐋𝐞𝐧𝐝𝐞𝐫𝐬: You'll see more straightforward deals with stronger borrower equity, but will need to educate buyers and sellers adjusting to the new rules. 𝐅𝐢𝐧𝐚𝐥 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲 These changes push the market toward more committed, better-capitalized buyers and more transparent deal structures. Done right, SBA 7(a) acquisitions will remain a powerful path to entrepreneurship and investment, but this will make structuring deals significantly harder than the previous rules, and give a large advantage to buyers that do not need SBA financing.  I am not an expert at SBA financing, but there are plenty of people on here who are. Here are some individuals I recommend following if you are considering obtaining SBA financing. Eric B. Pacifici Scott Oliver Brian Wolfe

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AgFirst Farm Credit Bank partnered with Bizagi to replace legacy processes with agile, reusable workflows. The goal? Build a flexible platform that adapts quickly to customer and market needs. AgFirst now: ✅ Closes loan cases 60% faster ✅ Delivers new processes in just 16 weeks ✅ Analyzes 97% of loans on time ✅ Completes 100% of loan approver requests on schedule Discover how other leading organizations are building faster, smarter business processes with Bizagi: https://okt.to/iUkLfM

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This is really good for manufacturing!!! Talk to your representatives so this can become law. Yesterday, in partnership with the SBA, the House and Senate introduced the Made in America Manufacturing Finance Act (MAMFA), increasing the maximum size for SBA loans made to small business manufacturers to $10 million. The bills would make the increased loan size available to businesses that are based solely in the US, with their primary business classified under NAICS codes 31, 32, or 33. Loans to businesses in all other industries would remain capped at $5 million. This is another example of this Administration's commitment to rebuilding manufacturing capabilities in the United States.

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Innovation doesn’t have to be out of reach for smaller banks. Joe Schmithorst of Primax shares proven strategies for modernizing payments and beating bigger competitors. Watch the latest episode: https://lnkd.in/gh89yybY

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Can you combine ROBS with an SBA or other business loan? Yes - and it’s actually a common strategy. Many entrepreneurs use a Rollover for Business Startups (ROBS) plan to fund the down payment on an SBA loan, especially when buying an established business. At Guidant, we help clients navigate both the ROBS process and the SBA loan requirements, including the waiver that allows the two to work together seamlessly. Learn how these funding options can work in tandem: https://lnkd.in/e-pe2vHD

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��� Excited to introduce Instant Bank Connection, now live on Balance. Powered by RTP rails, this new capability removes adoption barriers for ACH payments. Buyers can now connect their bank accounts instantly using just routing and account numbers. Merchants get real-time payment confirmation, faster access to funds while reducing transaction costs, and the ability to fulfill with confidence. It’s a quick and easy way to get paid with ACH—bringing consumer-grade convenience to B2B commerce. Learn more on PYMNTS → https://lnkd.in/gbE_gtR9

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By the number of loans originated, the SBA 7a programs grew lending activity 44% comparing 2019 and 2024. The number of loans to more established small businesses (2+ years in business) has the most sizable increase at 44% (2019 v. 2024). Loans to startups (less than 2 years in business) increased 35% comparing 2024 to 2023. And, loans for business acquisitions remained fairly flat. #smallbusinesslending

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How does a Broker function within the #SBA lending space when most #Banks offer SBA 7A product for Business Aquisition, Debt Refinance, Equipment Purchase, and Growth Capital? Why do Banks that do SBA 7A loans refer some deals out for the exact same product? Every lender has the same set of rules from the SBA. The SBA SOP is the exact same for everyone. However from there every lender then begins to differ. As a broker, what I often see from Bankers is where their deal does not fit; 1) Their Internal Credit Policy But Is Still SBA Eligible and within the SOP 2) A Grumpy Credit Administrators Past Skeletons of Bad deals, where a specific scenario just makes them close the door 3) The deal is too small. Many lenders do not want to do $200k SBA loans and their Bank is not efficient enough to do so 4) Their Bank does not do SBA 7A and they do not want to lose out on Deposit, TM, and future deals. Sometimes we pick up the scraps. We know what works and what does not in the market. Our lenders do not want the banking relationship. The secondary market for the SBA allows for this business model to make sense.

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